Capital One Venture Rewards Credit Card vs. Southwest Rapid Rewards Plus Credit Card
On the criteria below, Capital One Venture Rewards Credit Card wins 3 of 3. The verdict depends on which criteria matter to you.
Capital One Venture Rewards Credit Card
Capital One
Southwest Rapid Rewards Plus Credit Card
Chase
Capital One Venture Rewards Credit Card wins 3 of 3 criteria here, making it the stronger all-rounder.
Capital One Venture Rewards Credit Card leads on first-year math, annual fee, and earning ceiling, while Southwest Rapid Rewards Plus Credit Card only ties the rest.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Capital One Venture Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
3 vs 0- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card is $4 cheaper to keep.
- Earning ceiling Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card earns more on its best category (5× vs 2×).
By the numbers
- Annual fee
- $95
- $99
- Welcome offer (typical value)
- $1,125
- —
- First-year net
- +$1,030
- $-99
- Peak earning rate
- 5×
- 2×
- Top categories
- Travel Portal, Capital One Entertainment
- Airfare, Gas, Groceries
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- Southwest Rapid Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.